Really Need Help Before Signing Up With Lmg

[eek]

Im about to go ahead with a policy with LMG but have a couple of questions if anyone can help. I declared that i have a form of Thyroditis which is stable. (I take a hormone supplement and my levels have been normal for about a year now).

This is the clause that came back before signing:

All treatments relating directly to the following illnesses are not covered for

waiting periods as listed below;

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[sbk]

Considering there is no definitive link between breast cancer and thyroid issues, this breast cancer exclusion seems wrong to me. I'd suggest you get quotes from several other sources.

http://www.thyroid-info.com/articles/breast-cancer.htm

[ThaivisaInsurance]

Im about to go ahead with a policy with LMG but have a couple of questions if anyone can help. I declared that i have a form of Thyroditis which is stable. (I take a hormone supplement and my levels have been normal for about a year now).

This is the clause that came back before signing:

All treatments relating directly to the following illnesses are not covered for

waiting periods as listed below;

Breast and Cervix Disease for 2 years or until the result of Mammogram and Pap smear are submitted

Then, reassess

Excluding all treatments relating directly to the following illnesses;

Evaluation and treatment of Thyroid disorders and complications including Tachycardia and Palpitations

Is this usual/what normally happens?

(Im also now a little concerned about LMG after reading this thread: http://www.thaivisa.com/forum/Lmg-t310247.html )

Appreciate any advice on this. Thanks.

The best source for personal questions concerning medical policies is direct with the Broker you are using. If for some reason you are thinking of going direct, may we suggest you use the services of a Broker as they can help in many ways and cost no more.

As a Thai Visa member you can use the services of the Thai Visa Broker for impartial advice and help, please go Here

[eek]

^ You are my broker

[eek]

The best source for personal questions concerning medical policies is direct with the Broker you are using. If for some reason you are thinking of going direct, may we suggest you use the services of a Broker as they can help in many ways and cost no more.

As a Thai Visa member you can use the services of the Thai Visa Broker for impartial advice and help, please go Here

Well um..ive been trying to get hold of my broker (thaivisa insurance) to enquire if this clause is the norm or not but im not getting any feedback atm.

Has anyone heard of this kind of clause?

I need to get a check up before im covered for breast/cervix disease? This is normal?

Plus, im surprised that ALL conditions relating to the thyroid will not be covered. Of course i understand they dont wish to cover for pre-existing conditions, but it seems a bit extreme? Particularly when ive been stable for so long (with paperwork that can prove that).

Sorry, i havent had personal health care before, so this is all new to me. Advice is appreciated. Thanks.

[offset]

The best source for personal questions concerning medical policies is direct with the Broker you are using. If for some reason you are thinking of going direct, may we suggest you use the services of a Broker as they can help in many ways and cost no more.

As a Thai Visa member you can use the services of the Thai Visa Broker for impartial advice and help, please go Here

Well um..ive been trying to get hold of my broker (thaivisa insurance) to enquire if this clause is the norm or not but im not getting any feedback atm.

Has anyone heard of this kind of clause?

I need to get a check up before im covered for breast/cervix disease? This is normal?

Plus, im surprised that ALL conditions relating to the thyroid will not be covered. Of course i understand they dont wish to cover for pre-existing conditions, but it seems a bit extreme? Particularly when ive been stable for so long (with paperwork that can prove that).

Sorry, i havent had personal health care before, so this is all new to me. Advice is appreciated. Thanks.

Normally pre-existing conditions are not covered that includes anything related to that condition you could always ask if the year that you have been OK can be included in the 2 year waiting period and also ask if you will be covered then even though you are taking a hormone supplements (and get it in writing) my lady had to have a Mammogram and Pap smear test before they would cover her she is over 40 years of age so I guess that is normal I ended up dealing with LMG direct (I had other problems myself) at least that way you will know exactly what they want then I went back to the broker to take out the policy I also have another policy and that has the same 2 year waiting period

Make sure what you are getting before you take out the policy

[samuibeachcomber]

Im about to go ahead with a policy with LMG but have a couple of questions if anyone can help. I declared that i have a form of Thyroditis which is stable. (I take a hormone supplement and my levels have been normal for about a year now).

This is the clause that came back before signing:

All treatments relating directly to the following illnesses are not covered for

waiting periods as listed below;

Breast and Cervix Disease for 2 years or until the result of Mammogram and Pap smear are submitted

Then, reassess

Excluding all treatments relating directly to the following illnesses;

Evaluation and treatment of Thyroid disorders and complications including Tachycardia and Palpitations

Is this usual/what normally happens?

(Im also now a little concerned about LMG after reading this thread: http://www.thaivisa.com/forum/Lmg-t310247.html )

Appreciate any advice on this. Thanks.

The best source for personal questions concerning medical policies is direct with the Broker you are using. If for some reason you are thinking of going direct, may we suggest you use the services of a Broker as they can help in many ways and cost no more.

As a Thai Visa member you can use the services of the Thai Visa Broker for impartial advice and help, please go Here

i recently signed up with LMG and like eek i had several questions too.I wrote back to LMG through my broker and received very clear explainations to my concerns.i eventually went ahead and signed up.

[eek]

Thanks samuibeachcomber. Im still waiting for thaivisa insurance to respond.

I guess ill be looking at other brokers.

[jazzbo]

Maybe a little late, but it doesn't sound to me like the PAP/Mammogram and Thyroid condition exclusions/Waiting periods are in any way related -- just 2 separate conditions.